Loan Application & Interest Rate - MoneySmart.sg

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What our clients say about our service

"If it weren't for MoneySmart, I would be paying about $350 more every month in interest on my home loan.

I recommend this for all home buyers!"

UK Shyam

Online Comparison +...

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Website: http://www.moneysmart.sg

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EMI Calculator India - AllBankingSolutions.com

Q. 5 :  Why EMIs are Popular?

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EMIs are popular both with the borrowers and lenders.  Borrowers prefer them as they know precisely how much money they will need to pay toward their loan each month.   This helps them making the personal monthly budgeting process easier.  Lenders are able to monitor the repayments easily and any default is repayment can be...

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Date: 2015-12-02 13:56:57
Website: http://allbankingsolutions.com

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8 low-interest student loans - CNNMoney.com

Falling interest rates are enabling a growing number of companies, state programs, and foundations to offer alternative education loans that are significantly cheaper than some of the federal government's offerings.

Some banks and credit unions, for example, are offering fixed-rate loans (which generally require the student and parent to take joint responsibility) at rates as low as 5.5%. You can shop for these private loans at sites such as custudentloans.org, overturemarketplace.com, simpletuition.com or...

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Website: http://money.cnn.com

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Money-Fund Overhaul Gives Federal Home Loan Banks New ...

The Federal Home Loan Banks are emerging as one of the unexpected beneficiaries of last year's money-market fund overhaul, lending fresh support to a U.S. mortgage market in flux as interest...

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Website: wsj.com

Related topics : home loan federal bank / bank home loan / federal loan home / federal loan bank / new home loan

Federal Direct Student Loan Program - Wikipedia

The William D. Ford Federal Direct Loan Program (also called FDLP, FDSLP, and Direct Loan Program) provides "low-interest loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education ... rather than a bank or other financial institution." [1]

Following the passage of the Health Care and Education Reconciliation...

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Date: 2017-02-14 09:10:37
Website: https://en.wikipedia.org

Related topics : student loan programs for repayment / student loan program / direct student loan / federal student loan / direct loan federal

QuickBiz Loan - nab.com.au

What do I need to apply?

Your business details (ABN or ACN)

ID information if you're a new NAB customer (passport, driver licence, Medicare card)

Other director, partner and shareholder details (if applicable)

12 months of financial data from your Xero or MYOB accounting package

Your business trading account details (including where you make your ATO payments)

Your accounting package login...

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Date: 2017-02-28 05:42:57
Website: nab.com.au

Related topics : company loan interest rate / bank loan interest rates / interest rates loan / apply loan for business / loan for business without security

Federal Direct Student Loan Program - Wikipedia

The William D. Ford Federal Direct Loan Program (also called FDLP, FDSLP, and Direct Loan Program) provides "low-interest loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education ... rather than a bank or other financial institution." [1]

Following the passage of the Health Care and Education Reconciliation...

Read more

Date: 2017-02-10 07:07:52
Website: https://en.wikipedia.org

Related topics : student loan programs for repayment / student loan program / direct student loan / federal student loan / direct loan federal

Interest rates for NAB home loans - NAB

5.06% p.a.

Explanation of interest rates

Having trouble understanding the difference between interest rate, comparison rate and advertised (indicator) rate? Here's an explanation:

Advertised (indicator) rate: This is a rate used as a base for calculating an interest rate.

Interest rate: This is used to determine the interest rate charged on individual loan products. The interest rates shown here are our current standard rates and don't include special rates that you may be able to ask for.

The interest rate may be:

the same rate as the "advertised (indicator) rate"; or

the sum of the "advertised (indicator) rate"...

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Date: 2017-02-28 05:11:03
Website: nab.com.au

Related topics : home loan interest rate comparison / home loan interest rate of all banks / home loan interest rate australia / home loan rate interest / bank loan interest rates

Loan Calculator - Prudent Minds

How the calculator works

This calculator uses a standard compound interest amortization formula to help you calculate the interest payable on a loan over any period. It will calculate loan payments, tell you the total sum to be repaid and the total interest you will pay. You will need to provide the duration of the loan (in months), the amount you intend to borrow and the APR (annual percentage rate) for the calculator to work. Please note that quoted APR's are intended to include the full cost of credit including any admin fees or additional charges....

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Website: http://money-saving-calculators.prudentminds.com

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Expatriates Loan - Personal - NBK (National Bank of Kuwait)

Expatriates Loan

Overview

NBK understands your needs as an expatriate living abroad, whether you require a new car, need to remodel your home, or pay for your children's tuition.� NBK offers you the quickest and easiest loan approvals with our Expatriate loans, that will cater to your banking needs.

With NBK, Home is Closer

NBK offers you the facility to finance the purchase of a car, furniture or house.

You can take a minimum loan of KD 1,000...

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Website: http://www.kuwait.nbk.com

Related topics : interest bank loan / car bank loan or finance / bank home loan / auto loan bank / home loan interest

MyLoanCare Loans: Home, Personal, Car, Gold, Property

Reviewed on 27th Feb 17

3.8 / 5 stars

I like your process

HDFC Bank Personal Loan Availed in Feb 2017

I like your process, you guys are putting much efforts to follow up with clients and take care of all the issues,...

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Website: https://www.myloancare.in

Related topics : home loan interest rate of all banks / car bank loan interest rate / car bank loan rates / bank loans for cars / car bank loan

BB&T Auto Loan – Online Banks Guide | Bank Locations

  Home  »  BB&T Bank  » Auto Loan

BB&T Auto Loan

BB&T auto loans have enabled a large number of low and moderate income citizens to purchase their dream vehicle without any financial burdens. The company also provides financial solutions and auto insurance services. BB&T is one of the 10 largest financial holding companies in the US. They have auto finance industry in several states and...

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Date: 2015-10-21 13:11:28
Website: http://www.onlinebanksguide.com

Related topics : calculator auto loan rate / calculator auto loan payoff / auto loan interest rates / auto loan bank / loan calculator auto with down payment

Mortgage Refinance Calculator | Excel DCF Models

Mortgage Refinance Calculator Spreadsheet

... by Mark Szekely, MA (Economics)

With mortgage rates at very low levels, your fixed rate mortgage may be charging you interest exceeding today's market rates. If so, you may be curious about the benefits and costs of refinancing early.

If you hold a fixed-rate closed mortgage, your lender will likely charge a penalty to discharge your existing...

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Website: http://dcf-models.com

Related topics : loan calculator refinance mortgage / refinance home mortgage loan rate / mortgage loan rate of interest / loan mortgage rate calculator / refinance home loan mortgage insurance

C & F Mortgage Corp - Loan Programs

C&F MORTGAGE CORPORATION PROGRAM OPTIONS

C&F Mortgage Corporation offers a variety of programs to assist all borrowers whether you are a first time homebuyer or a long term homeowner. Whether you are buying or refinancing, you need a reliable partner.  You can feel confident with C&F Mortgage Corporation assisting you with the process.  Your C&F Mortgage Corporation Loan Officer will help you...

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Website: http://www.cfmortgagecorp.com

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ELFI Education Loan Financing | Refinance Your Student Loans

There are many options when it comes to consolidating or refinancing your student loans. Fortunately, ELFI - the education loan finance program offered by SouthEast Bank - is completely focused on optimizing the best repayment strategy for your specific situation and goals.

You could save hundreds each month and thousands over time.

- it pays to choose ELFI -

FLEXIBILITY

ELFI offers flexible...

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Website: http://www.elfi.com

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Top Installment Loans for Bad Credit Up to $5000 Lenders

Simple Application Process- Completely Safe and Secured

Top Lenders According to Borrower's Profile

Compare Scam Free Lender for Easy Repayment, Rates and Term

Repair Your Credit Score or Meet Urgent Needs

Apply Online in Minutes

You can fill out an online application and submit it to us in only a few minutes. No matter what your financial situation is, our lenders have the loan option for...

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Date: 2017-02-28 08:32:10
Website: https://www.justrightinstallmentloans.com

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Personal Loans in Singapore - Apply Now | HSBC Singapore

16.70%

16.62%

1 Flat rate is for reference only and is based on a front-end add-on calculation method (Interest = loan principal x flat rate x loan tenor).

2 E.I.R. (Effective Interest Rate) is inclusive of processing fee S$88 and based on the approved loan amount.

The Bank will apply the E.I.R (net of processing fee) on the loan based on a reducing balance method, where the E.I.R. (net of processing fee) is multiplied by the outstanding loan balance, which reduces monthly as repayments are...

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Website: http://www.hsbc.com.sg

Related topics : bank loan interest rates / interest rates loan / bank loan interest calculator / calculating loan interest / interest loan calculator

Amortization Schedule Calculator | Excel Templates

This is an amortization schedule calculator you can use to see your amount and payment schedule of your loan. This calculator is one of the most popular calculator that you can find in many internet websites either online or in excel file. Any banks or financial institution usually provide this tool in their websites to ease their customers calculating their loan schemes before deciding to make a...

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Website: http://exceltemplate.net

Related topics : loan calculator payment schedule generator / loan calculator with amortization schedule / loan calculator payment schedule / amortization loan calculator in excel download / amortization loan calculator excel

Home Loan & Mortgage Calculators | Your Mortgage Australia

5.22%

          

Comparison rate based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different...

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Website: http://www.yourmortgage.com.au

Related topics : home loan interest rate comparison / loan mortgage rate calculator / loan calculator home mortgage / mortgage rate home loan / home loan interest rate australia

Car Loan - Best Indian Bank Offering High Interest Rates ...

ride your favourite car with car loans from us

Learn more about our Car Loan under Retail Loan Products.

Our car loan scheme is among the popular of all the retail loan schemes since it offers quick processing of loans for the purchase of new cars at low interest rates and simple documentation and conditions.

Purpose

To buy New Car / Four Wheeler for personal or professional use.

To buy Pre Owned...

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Date: 2017-02-17 07:24:59
Website: http://www.tmb.in

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The way to get an unsecured loan approved with bad credit ...

Warning about Borrowing

Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor

Talk to your electricity, gas,...

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Website: https://www.finder.com.au

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Unsecured Business Loans — Apply for your business

Tools and Templates

Unsecured Business Loans

The decision to start a small business instead of working for someone else is a brave, but tough step. It is certainly risk prone. Not only do you have to start at ground zero, but you may be starting with little-to-no prior experience or even a consistent cash flow to sustain your business. It takes some time for your business to begin to generate...

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Website: http://www.sba.com

Related topics : unsecured business loan sba / business loan unsecured / loan for business without security / business loan credit requirements / business loan credit check

Current Mortgage Rates Charleston SC | Mortgage ...

About Different Types of Loans

Learn About All Different Kinds of Standard Mortgages

MORTGAGE CALCULATORS

Knowing what you can afford is half the battle.

Mortgage Length Calculator by MortgageLoan.com

"Most smart agents won't even consider showing a prospective buyer homes for sale without knowing for sure they have the ability to purchase,...

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Date: 2017-02-14 05:16:04
Website: http://charlestonmortgageconnection.com

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Federal Reserve Bank of San Francisco | Banking ...

Fourth Quarter 2016: Signs of a Maturing Economic and Banking Cycle Continued

Posted February 27, 2017

The 4Q16 issue of First Glance 12L shows strong, albeit slowing, growth in District jobs and bank loan portfolios. On average, full-year bank earnings improved and loan delinquencies declined. In addition to discussing several "Hot Topics," the report notes potential headwinds from shifting trade conditions, immigration policies, and interest rates.

Asia Focus

Asia's Fintech Revolution

Posted February 27, 2017

This Asia Focus examines the impact of fintech on payments and lending in Asia,...

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Website: http://www.frbsf.org

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2014 Interest Rate Forecast - Savings Account Rates

MORE  

Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available.

Home » Research Center » 2014...

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Website: http://www.money-rates.com

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Loan Agreement Form Template (to an individual)

 

What's in it?

Whilst for obvious reasons we can't show you the actual item before you purchase it, we can do the next best thing. We show you the explanatory notes that go with each contract and, in the case of books and forms, a brief summary. These will give you a good idea of the content of the document before you buy it. 

 

Explanatory Notes

This is a simple agreement between a lender...

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Website: http://www.contractstore.com

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Mortgage Process | Alpine Mortgage Planning

Home > Mortgage Process

Mortgage Process

Whether it's your first mortgage or your fifth, we understand that purchasing a home can be an exciting, but stressful time. That's why we have assembled a great team of experts to help you along the way. Our mortgage advisors, underwriters, transaction coordinators, and support staff are experienced professionals and experts in their field, and can walk...

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Website: http://www.alpinemc.com

Related topics : mortgage loan rate of interest / refinance home mortgage loan rate / mortgage rate home loan / mortgage loan rates current / loan mortgage rates today

Difference Between Loan and Debt

Home / Business / Finance / Difference Between Loan and Debt

Difference Between Loan and Debt

Posted on

by olivia

Loan vs Debt

For a common man, there is no difference between loan and debt. However, when a person needs money to fulfill his dreams of a home for his family, he applies for a loan from a bank or any other financial institution and not for a debt. But when an individual is hard...

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Date: 2017-02-27 10:18:50
Website: http://www.differencebetween.com

Related topics : consolidation debt home loan / business consolidation debt loan / consolidation debt loan / home loan debt / business loan debt

Best short term loan lenders online. 8 lenders top list US

Repayment: 6 mth to 6 yr

Deposit time: 24-48h

States: Number of states the lender or matcher provide loans in.

Applies to all payday loans:

- All costs are based on a 14 days time frame.

- Amounts and costs might vary for different states.

- Amounts are based on your first loan.

Lendersus.com compare loans, we don't provide the actual loan. We never send e-mails with loan offers. If you...

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Website: http://www.lendersus.com

Related topics : payday loan no credit check / payday loan fast no credit checks / payday online loan lenders / payday loan quick application / next day payday loan

12 Months Loans Same Day Payout Bad Credit - Payday Loans!

Get Started Now!

Bad credit loans same day processing

The last thing you need is a bad financial situation turned worse, and this is where bad credit loans same day processing can save the day real quick. Many people who use these short-term loans and then return to lenders later again appreciate the effective help when other options are not available. For those who have bad credit, it comes as...

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Date: 2017-02-28 09:02:35
Website: https://12monthsloansbadcredit.com

Related topics : bad credit payday loan direct lender / bad credit payday loans lenders / get a bad credit loan fast / get a bad credit loan online / bad credit loan no checking account

Bridge loan - Wikipedia

Real estate[ edit ]

Bridge loans are often used for commercial real estate purchases to quickly close on a property, retrieve real estate from foreclosure, or take advantage of a short-term opportunity in order to secure long-term financing. Bridge loans on a property are typically paid back when the property is sold, refinanced with a traditional lender, the borrower's creditworthiness improves,...

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Date: 2017-02-20 04:23:10
Website: https://en.wikipedia.org

Related topics : commercial property loan terms / quick loan short term / bank loan short term / short term loan lenders / loan short term uk

Bad Credit Loans - Apply for a Bad Credit Loan ...

How does it work?

Submit Your Secure Application

We'll ask you a few questions in order to find you the best loan offers available.

Accept Your Loan

If you are matched with a lender, you will be taken to the lender's website to review and accept your loan.

Use Your Funds

After accepting your loan, it will be deposited into your account in as little as 24 hours.

How much does it cost to...

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Website: https://bad.creditloan.com

Related topics : low credit score loans / debt loans for bad credit / debt consolidation loans for bad credit / credit score loan approval / credit score loan chart

Car Loans: Compare Car Loans in Kuwait

Compare Car Loans

Thinking of buying a new car? Planning to buy it with a car loan?

Red, black, convertible, 4x4 it's all very exciting but don't let take your focus away from finding the best car loan.

The...

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Website: https://kuwait.compareit4me.com

Related topics : car bank loan interest rate / car bank loan rates / car interest rate loan / new car loan / bank loans for cars

What is a Good Credit Score Rating? - moolanomy.com

What number is considered a good credit score rating? On a scale that usually goes from 300 to 850, the short answer is anything above 720.

Why does it matter to have a good score? A high credit rating can significantly reduce your borrowing costs (including the interest rate you have to pay the lenders). Even if you don't plan to borrow money,  having a good credit score can benefit you in...

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Website: http://www.moolanomy.com

Related topics : low credit score loans / credit score loan approval / credit score loan chart / credit score loan rate / business loan credit score

Tenant Loans UK| short term loans| Bad credit non ...

It is a loan in which you can get funds without putting anything as a security against loan. Now non-homeowners and tenants can also get advance to fulfil their minor and major financial needs.

You can apply personal loan without guarantor which can cover all your requirements. You can utilize the money for your any basic purpose like travelling, shopping, paying medical bills, credit card bills,...

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Website: https://www.everyonefinance.co.uk

Related topics : get a car loan online with bad credit / get a bad credit home loan / get a bad credit personal loan / get a bad credit loan online / get a car loan with bad credit

Payday Loans, compare and apply for the best online payday loan

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If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

Related Payday Loans Products

Compare Payday Loans

What are Payday Loans for?

Payday loans are loans of small amounts of money usually up to £1000 although amounts may vary. These loans are usually lent at high interest rates because they are available to people with bad credit. Payday loans...

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Website: http://www.whichwaytopay.com

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Commercial Mortgage | Commercial Banking | HSBC

Menu

Commercial Mortgage

If you're planning to move, expand or improve your company premises, a Commercial Mortgage can help you plan your development in a manageable and affordable way.

Your property may be repossessed if you do not keep up repayments on your mortgage

At a glance

Borrow up to 75% of the purchase price or professional valuation (whichever is lower)

£25,001 minimum loan amount -...

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Website: http://www.business.hsbc.uk

Related topics : bank loan interest rates / commercial mortgage loan interest rates / commercial business loan interest rate / commercial property loan interest rates / commercial loan interest rate

Term Loans 101: Term Loans Explained - axial.net

Whether you need funds to start a new business or to grow your existing business, you have likely heard of a term loan as one of the options.

A  term loan  is the most straightforward type of small business loan: You borrow a certain amount of money from a lender and you agree to pay back the loan plus interest over a set period of time (called the term... hence the name!), with the principal...

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Website: http://www.axial.net

Related topics : commercial business loan terms / business term loan / short term loan lenders / cash loan short term / bank loan short term

Home Loans Home

How to Apply

About Home Loans

VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

VA Home Loans are provided by private lenders, such as banks and mortgage...

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Website: https://www.homeloans.va.gov

Related topics : home va loans interest rates / home equity loan refinance cash out / home va loan rates / refinance home mortgage loan rate / va home loan benefits

VA Home Loans - Veterans Benefits Administration Home

How to Apply

About Home Loans

VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

VA Home Loans are provided by private lenders, such as banks and mortgage...

Read more


Website: http://www.benefits.va.gov

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Construction Loans | Grand Rapids, MN - Nashwauk, MN ...

First Time Home Buyer's Package

Construction Loans

Just because it's called a "dream home" doesn't mean it can't exist in reality. Make it happen with a construction loan from American Bank. Whether it's financing a cabin, or buying vacant land, we'll find a loan that works for you.

When you get a construction loan, you actually get two loans: a short-term loan to cover construction, and a long-term mortgage loan that finances your home purchase after construction is complete. We'll work with you during the construction phase to show you our permanent financing options. Get started on your...

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Website: http://www.ambnk.com

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Captain Cash - Cash loans $500-$750. No credit check ...

Complete the Easy Application Form

Get Approved

Filled In, Approved,

Now We Fill Up Your Account!

During your application, you will be able to sign directly online on our secured e-signature platform.

Why use e-signature? Signing online saves time and energy, and allows you to get your cash faster.

Renewing your cash loan is even easier and faster. Once again, you may apply online or over the...

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Website: https://captaincash.ca

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5 Types of Collateral for Auto Loans - Financial Web

Using collateral for auto loans will significantly reduce the cost of the loan by lowering the interest rate. With collateral, the borrower is assuming more of the risk than the lender. This allows the lender to offer lower rates and more flexible terms. Consider these sources of potential collateral:

#1 The Car Itself

Nearly every auto loan uses the car being financed as collateral. The lender...

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Website: http://www.finweb.com

Related topics : used car loan auto rates / loan car title collateral / used car loan interest rate / loan auto collateral / used car loan rates

Line of Credit & Loan Payment Calculator - RBC Royal Bank

View Legal Disclaimers

Personal lending products are offered by Royal Bank of Canada and are subject to credit approval.

This calculation is based on the accuracy and completeness of the data you have entered, is for illustrative and general information purposes only, and is not intended to provide specific financial or other advice, and should not be relied upon in that regard. You should speak...

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Website: http://www.rbcroyalbank.com

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Debt Consolidation Loans | Apply Online for Low, Fixed ...

Debt Consolidation Loans

Want to eliminate your debt and slash your monthly payments? With an unsecured personal loan via Lending Club you can pay off your high interest debt and consolidate it into a single monthly payment.

Lower Rates: Reduce your interest rate by an average of 25%1

Borrowers who used a personal loan* via Lending Club for debt consolidation or to pay off high interest credit...

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Website: https://www.lendingclub.com

Related topics : loan consolidation credit card debt / loan pay credit card debt / debt consolidation loan interest rates / consolidation credit debt loan / loan to pay credit debt

Amortizing loan - Wikipedia

In banking and finance , an amortizing loan is a loan where the principal of the loan is paid down over the life of the loan (that is, amortized ) according to an amortization schedule , typically through equal payments.

Similarly, an amortizing bond is a bond that repays part of the principal ( face value ) along with the coupon payments. Compare with a...

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Date: 2017-02-05 04:47:15
Website: https://en.wikipedia.org

Related topics : loan calculator with amortization schedule / amortization loan calculator formula / amortization loan calculator / amortization schedule loan / amortization loan formula

SBA 504 Loan Benefits | Mercantile Capital Corporation

SBA 504 Loan Benefits

There are lots of reasons for small business owners to choose the SBA 504 loan. Below, you can read the nine most important benefits of this type of financing. Select "Learn More" at the bottom to see the full list and learn exactly why this is the Best-Kept-Secret in Commercial Property Financing.

 

Ninety-percent (90%) Loan-to-Cost FinancingWe can provide up to...

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Website: http://www.504experts.com

Related topics : commercial business loan interest rate / small business loan sba / commercial property loan interest rates / loan small business / commercial business loan rates

Can I negotiate my home loan interest rate? | Fin24

A Fin24 user wants to negotiate his interest rates on a property before he applies for a home loan. He writes:

I asked my bank for a quote on what my interest rate would be. I was told that I should use the online calculator as this is accurate.

However, they will only do a full credit check and put in the actual application once I have made an offer on a property.

My issue is that at that point...

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Website: http://www.fin24.com

Related topics : home loan rate interest / bank loan interest rates / mortgage loan rate of interest / interest rates loan / mortgage rate home loan

Business Loan Online - Bajaj Finserv

74 Comments

Business Loan: Features and Benefits

A Business Loan is a great way to secure your financing and increase working capital. Read on to know more about the unique benefits of taking a Business Loan from Bajaj Finserv:

Loans up to Rs.30 lakh

We offer the highest unsecured loan amount by any loan provider in India in this segment. Not only do you get a credit up to Rs.30 lakh as Business...

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Date: 2017-02-28 09:53:38
Website: https://www.bajajfinserv.in

Related topics : apply loan for business / business loan credit check / business term loan / get business loan / business loan credit

Loan Officer Job Description, Duties and Jobs - Part 1

11) Handle customer complaints and take appropriate action to resolve them.

12) Work with clients to identify their financial goals and to find ways of reaching those goals.

Is being a "Loan Officer" your very best career choice?

Our Career Interest Test will show you which careers match your interests.

Our Free Personality Test will show you which careers match your personality and why.

13) Confer with underwriters to aid in resolving mortgage...

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Website: https://job-descriptions.careerplanner.com

Related topics : loan mortgage officer job description / mortgage loan officer jobs / line of credit loans near me / line of credit loan / interest bank loan